 I am considering entering a debt management program. Anyone have any advice? |
| I am considering entering a debt management program because I am way over my head in credit card debt. I know it may not be the best solution but it seems I keep putting it off, getting no where ... |
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 Shall I pay this six year old debt? |
A collection agency is requesting payment for a debt owed beginning in september of 2001 (date of first delinquency: 6 years ago).
The information is not in any of my credit reports. If it was, I... |
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 Can someone tell me how to find a Private personal loan lender in my area? |
| Still trying to get a lioan with little or no credit and I have been getting alot of rejections. Does anyone know a good personal lender or some website I can go to where I can find one in my area?... |
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 Does anyone know of any car loan places that help people with bad credit and gross around 1200 a month? |
| I have been trying to get approved for an car loan but my credit isn't very good and i only make about 1200 a month. anyone know if there is somewhere i can go to get help with an car loan ... |
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 Is a 7,000 credit card limit for a 21 year old good? |
Is that below average, above average, or just average? Just curious. Thanks.
Additional Details
Don't worry ppl- I'm great at managing money and very careful with my credit ... |
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 My credit score is 453.? |
| What are some good ways to re-establish my creit without havin to pay alot of $$$. I really dont want to try those things where they erase it off because they charge alot.. Any suggestions.. Please H... |
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 Can Collections file a case on you and get you arrested ? |
| can that happen if you owe $600 or more to your bank, credit card company, or online company like neteller ?... |
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 Will consolidating my debt with a consolidation company worsen my credit or will it help? |
| I am in debt with all my credit cards, i was thinking about consolidating my debt but I heard that was going to mess up my credit even more. Is that true?... |
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 Which credit card should be paid off first? |
| I have 2 credit cards that I'm trying to get paid off. Card A has a balance of about 700 and an interest rate of about 9%. Card B has a balance of around 1700 and a REDICULOUS interest rate of 28... |
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 I forgot to pay my discover card payment. Will it affect my credit score? |
| I was just busy over the holidays and missed it. I paid it on my computer after I got off work last nite, but I am so embarrassed because they called me at work and wanted the payment then and their ... |
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 How can I build my credit? helppppp? |
I just turned 18 in October and I need helppp!
I can't get approved for credit cards, even the ones that say no credit history credit cards, or instant approval. I've applied for a ... |
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 I want to start building my credit, How do I do this? |
| I'll be 18 soon so how do start building my credit and keep it good?... |
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 My credit score went from 765 to 632. I have 2 hospital bills reported in collections. $953, and $480? |
What happened?
Additional Details
Is that really enough to make it drop so much, or should I check into this? Who would I call, the credit bureau? What is the FASTEST way to correct ... |
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charlottejheywood | How can i raise my credit score??? |
Im 21 and never had a bank account, when i've tried to get one im refused because i have no credit, i want to buy a house in a few years. any ideas?? |
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Quality
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open up bank accoutnts make sure you are on the electoral roll |
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Pauline
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if nothing else, then open a savings-type account (one without a cheque book). That will establish you as a bona-fide customer. Then ask to upgrade your bank account after six months or so.
Once you can get a debit card & cheque book, you should be Ok for further credit. |
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Mer
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apply for a credit card and when you use it and when you receive your bill make sure you pay the bill on time. Don't be delinquent on your payment. |
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Blabbermouthknowitall
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Credit scores take time. To increase your credit score you must display certain spending habits.
Since you're just 21 and you're starting out and you don't have credit basically.
You can start out with a secure credit card, no one gets dissapproved for that. Orchard bank, part of HSBC, provides secure credit cards with a min. deposit of $250.00. It will take 6 months. You'll have a credit line of let's say $1000.00.
Only use 20%- $200 (NEVER MORE) of your credit card within the 6 months.
You get a statement, you pay it off, you should be good and you will be building your credit score.
Do not apply for credit cards all at one time, because it seems suspicious to the federal bureau and you can screw up your credit score before you even start building it up.
I'd never recommend a credit card really, unless you're really good with personal finance and understand what is asked of you to be on the safe side. I'd say work your butt off for the next 5 or 6 years and buy the house in cash.
If you're not OK with putting in a deposit of 250 with orchard you can always apply for the Citibank MTVU card, sponsored by MTV, for university students.
They love students in debt, so they are always welcoming students with no credit score, but that's where i built my score up.
They might initially offer you a credit line of $800.00, don't get too excited, just remember...
Credit Cards will be paid back, it is not your money. You're just borrowing. So think of it that way.
Good luck |
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Ray L
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do you work open a online account savings one put some in each week or month that will start a credit rating |
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rizell2004
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been in this situation b4 wen i was 21 yrs old.1st get a job.2nd open a checking account(prefer bank of america they offer $300.00 credit limit 4 no credit yet,I had one b4).3rd don't apply 4 a credit card u don't want to b n a situation dat wuld compromise ur credit unless ur really responsible wid ur money,& if u really want to get a credit card,either apply at orchardbank.com(since they report gud on time payment every 6 months,it's for no credit,bad credit,gud credit people) or the bank wer u opened ur checking account.personally i shouldn't hav gotten a credit card, my 1st credit card i screwed up.so now i'm starting over again with orchardbank wer they gave me a limit of $200.which is gud since i'm making on tym payments.dats y i'd advise u not to get a credit card personal xperience,but hey if u want to build ur credit go ahead but stick on ur timely payment and usage of the credit card & oh yeah having a car dat u pay on time will also really bolster ur credit rating.1 card is gud enough. it's better 2 hav a no credit history dan to hav a bad credit.gud luck! ^_^ |
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Tim C
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Get a loan, then pay it off, in full, immediately.
I can't believe you can't open a bank account! Unless you have no money to put in it, of course. |
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I am an egg?
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Never had a bank account?
Have you never had a job either then? |
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Ollie
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Hi,you could start by running a catalogue.Maybe get a credit card mind I personally will not have one think its too easy to over spend.You should open an account by getting your wages put in.Good Luck |
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mr_trend.vampire
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so hoe much have you saved for a deposit then? but u got no account and no job then? but u wanna buy a house? goodluck |
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